At Simon Fitzgerald LLC, we’ve spent over a century helping Louisianans get relief from overwhelming debt. If you’re facing creditor calls, losing your home or car, or struggling with payday loans, bankruptcy may offer a real path forward. This page outlines common reasons people choose to file — and how our firm can help you take control of your finances. Schedule a free, no-pressure consultation to get answers today.
How Simon Fitzgerald LLC Helps You Move Forward
If you’re overwhelmed by debt in Louisiana, you’re not alone — and you’re not out of options. At Simon Fitzgerald LLC, our attorneys help people just like you stop collections, protect their homes and vehicles, and finally find breathing room. Here are some of the most common reasons people file bankruptcy — and how we can help:
Filing for Bankruptcy
When debt becomes unmanageable, filing for bankruptcy may be the most responsible decision you can make. We guide clients through Chapter 7, Chapter 13, or Chapter 11 bankruptcy depending on their goals and circumstances. Our attorneys explain every step, so you feel informed and supported from start to finish.
Income Tax Debts
Can bankruptcy wipe out IRS debt? Sometimes — but only in specific circumstances. Our team evaluates whether your tax debt meets the legal criteria for discharge. Even if full discharge isn’t possible, bankruptcy can help you
manage or reduce tax-related burdens as part of a broader debt relief strategy.
Creditor Harassment
Constant calls. Threatening letters. Embarrassing voicemails. If you’re being harassed by debt collectors, bankruptcy activates an automatic stay that puts an immediate stop to most collection activity. We’ll explain your rights under federal law and how we can stop harassment fast through the bankruptcy process.
Foreclosures & Sheriff Sales
If your home is facing foreclosure or a sheriff sale has been scheduled, time is critical. A well-timed bankruptcy filing can stop foreclosure proceedings and help you stay in your home. We’ll review your situation and, when appropriate, use Chapter 13 bankruptcy to restructure your mortgage payments and protect your property.
Car Repossessions
Fallen behind on your car loan? Your lender could repossess your vehicle with little warning. But if you act quickly, Chapter 13 bankruptcy can stop repossession and allow you to keep your car while catching up on missed payments through a court-approved plan.
Payday Loans
Payday loans often start small — but snowball fast due to sky-high interest. Fortunately, most payday loan debt is unsecured and may be discharged through Chapter 7 bankruptcy. We’ll help you assess whether filing will eliminate your payday loan balances and break the cycle of debt.
Wage Garnishment
Wage garnishment hits your paycheck before you even see it. Nearly 7% of U.S. workers face garnishments, often without fully understanding their rights. Bankruptcy can stop garnishment immediately and protect your income. Learn more about how we stop wage garnishment and help clients regain control over their finances.
Student Loans
Student loan debt creates pressure that can feel permanent — but some borrowers may qualify for full or partial discharge through bankruptcy. We’ll review whether your student loans meet the legal threshold for “undue hardship” and discuss alternatives if they don’t. Either way, we’ll help you understand your rights and next steps.
Eviction
Worried about eviction due to missed rent? Bankruptcy might temporarily delay or stop the process through the automatic stay. Our attorneys will explain whether bankruptcy can prevent eviction in your case and help you explore all options to stay in your home and protect your future housing.
Why Choose Simon Fitzgerald LLC for Your Bankruptcy Needs?
As the oldest bankruptcy firm in Louisiana, we have almost seen it all. Bankruptcy situations are unique, but we can apply our experience and skills to find a solution for your situation. We understand how stressful being in debt can be, so we offer our skills to educate you and set you up for the future. We offer a no-judgment, free consultation to discuss your needs.
Start With a Free Consultation Today
Call us now to speak with a local attorney who understands the laws in your parish:
• Shreveport / Monroe – (318) 868-2600
* Alexandria – (318) 625-7505
* Lafayette / Lake Charles – (337) 984-1584
Prefer to schedule online? Book your consultation here. We’ll answer your questions without judgment — and help you take the first step toward peace of mind.
